What do you need to know about getting your first mortgage?
We will make it easier than you think! There are many more lenders in the market than just those you see on the high street, and many of these have specialist mortgages available to first time buyers. Mortgages are arranged on an affordability basis, which is an assessment of your income in relation to your outgoings.
What fees may be involved in purchasing your first home?
Why should you use a mortgage broker?
You may be tempted to go to the bank that you have your savings with, the downside of doing so is that you will potentially need to wait many weeks for an appointment, only to then find out that they can not obtain you a mortgage. If they can offer you a mortgage, they can only choose from their own range of products which may be more expensive than other options on the market.
By using a mortgage adviser, we can check the whole market and ensure that we find the best mortgage to meet your individual needs. Not only will you end up with the best mortgage for you, you can rest assured that your mortgage will also be managed moving forwards, with regular reviews, meaning that you never end up paying more than you need to on your mortgage.
We are here for you and can answer any questions you have about the property buying process.
How can our mortgage advisers help you?
- We can source exclusive broker deals not available on the open market
- We have access to a wide range of lenders, not just those on the high street, ensuring that we find the right mortgage for you
- We will update your mortgage offer, if rates change in your favour
- We liaise with the lender, estate agent & solicitor to ensure that your mortgage goes through as smoothly as possible
- We are experts on the administration of mortgage applications, let us do the hard work so you don't have to
- We can arrange for a protection adviser to give you a call to discuss any Life Insurance needs you may have
- We can send a referral over to our Home Insurance provider to obtain you a competitive quote
- We can discuss your mortgage needs via Face to Face, Video, or Phone
- Appointments in York, Harrogate, Knaresborough, Leeds, Malton, Scarborough and London available
To take your first step onto the property ladder, speak to one of our advisers who will be able to discuss with you exactly how we can help you obtain your first mortgage.